Hey all!!

I have a question for everyone. My husband is 48 and I am 39. We have ZERO savings and ZERO retirement. He has the opportunity to do a 401(k) with his new job, but we were wondering what all y’all thought about this. Which is better, a 401(k) or a Roth IRA? We have nothing to use for retirement and its looming within the next 20 years!! We didn’t really think about it until we realized its coming closer and we have absolutely nothing for our future.

Any thoughts or opinions? I don’t know what to do and we really need to get a move on and get SOMETHING going!!!